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UK mortgages, rates, news and deals! |
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Time to remortgage? Switch your mortgage! |
| Your mortgage is likely to be the biggest financial commitment that you will make in your lifetime.
Many of us in the UK are currently paying our mortgage lender’s Standard Variable Rate (SVR), which does not represent good value for money. By switching to a market leading rate you could save thousands of pounds. Remortgaging is simply switching your mortgage to a different lender. |
 Get fast and free remortgage quotes now! |
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Welcome to 1st Mortgage Line
We were established over 18 years ago and have built up our client base with good, honest, friendly and free advice. We offer the Whole of the Market, which is currently more than 15,500 mortgage products. The most popular types of UK mortgages we provide are: |
Remortgages
There are many reasons why you may wish to remortgage your property. It might be to take advantage of lower repayments, to release equity, to buy a second property, to consolidate all your debts into one loan, or any combination of these. |
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First Time Buyer Mortgages
It has become much harder these days for first time buyers but 1st Mortgage Line still have every scheme available to you. However, do not apply unless you have at least a 5% deposit! We will then do our utmost to assist you. We cannot if you do not have the deposit. |
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Adverse Credit Mortgages
These loans also called sub prime mortgages or poor credit mortgages are sold to people who have a poor or bad credit record. A higher rate of interest is charged because the borrower is considered a more risky bet. Lending varies depending on the degree of adverse credit a person has. |
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Buy To Let Mortgages
Buy-To-Let is when you buy a property, usually with a mortgage, and then rent it out. This has become more popular in recent years as people look to make money from the rising property market, rather than putting money in a bank. |
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Self Certification Mortgages
Also known as Self Cert Mortgages, mortgage borrowers usually just need to sign a statement of earnings and not provide actual proof. Unless those people applying for self-employed mortgages have been trading for at least one year they cannot usually just sign this statement. |
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Interest Only Mortgages
Interest Only Mortgages provide flexibility in the early years of the mortgage. Borrowers can either pay then interest only or repay a portion of the loan balance. After interest-only payments for a period of years, the amount borrowed must be repaid over a shorter period of time. |
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